Hard money lenders in Alabama for house flipping

If you're flipping a house in Birmingham, Alabama, and need cash fast, I'd start with a Birmingham-area private lender that finances both the purchase and the rehab. That can matter more than getting the lowest advertised interest rate, especially if you want to preserve your cash for contractors and unexpected repairs.

I found several lenders advertising fix-and-flip financing in Birmingham. Here's who I'd contact first, depending on how quickly you need to close and how much cash you have available.cornerstonecapbham.com+2

My shortlist for Birmingham house flippers

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1. Alabama Flip Loans / Longhorn Investments

(Start here for low cash-in)

Their website advertises financing for up to 100% of purchase and rehab costs, subject to the deal's after-repair value (ARV) and underwriting. It advertises closings in roughly 3–10 business days, depending on the page and transaction.

• Contact: Jeremy Galloway
• Call/text: 205-605-9423
• Website:Alabama Flip Loans

Worth contacting if you need to conserve cash for the renovation.alabamafliploans.com+1

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2. Cornerstone Capital

(Local investor-focused lender)

Advertises up to 90% of the purchase price and 100% of rehab costs for single-family and multifamily projects. It also offers transactional funding for wholesalers, which may be useful if your cash need is tied to a quick closing.

- Website:Cornerstone Capital Birmingham

A good candidate if you have prior flipping experience and want to discuss a locally handled deal.cornerstonecapbham.com+2

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3. Southeast Private Capital

Advertises financing for 100% of project cost, subject to a maximum of 70% of ARV, with a typical closing time of 10–14 days and possible faster closings when documentation is complete.

- Website:Southeast Private Capital

Worth comparing if your deal has a strong resale value and you want to limit your cash contribution.cornerstonecapbham.com+2

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4. Lima One Capital

A larger national investment-property lender with a Birmingham office and fix-and-flip loan programs. It's worth getting a competing quote, particularly if you want financing that can support future projects as well.

• Phone: 205-409-7371
• Website:Lima One Capital

www.yelp.comhardmoneyscout.com

Before you sign, compare these five things

One important warning: “100% financing” doesn't necessarily mean zero money out of pocket. The ARV limit, appraisal, closing costs, reserves, and your experience can all affect the amount you need to bring.

Let me narrow this down to the best fit for your deal

I can help you identify which lender to call first if you give me three numbers.

Your Birmingham flip

Purchase price ($)

[Input value unavailable]

Rehab budget ($)

[Input value unavailable]

After-repair value (ARV) ($)

[Input value unavailable]

Cash you can bring to closing

Under $10,000

$10,000–$25,000

$25,000–$50,000

$50,000+

When do you need to close?

Within 48 hours

Within 7 days

Within 14 days

Within 30 days

[Compare lenders for my deal]

For a Birmingham, Alabama fix-and-flip project that needs capital quickly, I’d start with lenders that specifically finance investment properties, including both the purchase price and renovation costs. Your best options are likely specialized hard-money lenders and private real-estate lenders, rather than traditional banks.

I found several potential lenders serving Birmingham and Alabama. Some advertise closings within days, but those are marketing estimates—not guaranteed funding dates—and I would verify the lender’s credentials, actual availability, and complete loan terms before committing.

1. Best lenders to contact first

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1. Alabama Flip Loans / Longhorn Investments

(Local contact)

A Birmingham-based loan consultant who works with Longhorn Investments and focuses on Alabama investor deals. Particularly worth contacting if you need financing for both the acquisition and rehab.

• Advertised closing: approximately 3–10 business days, depending on the program.
• Advertised leverage: potentially 100% of purchase and renovation costs, subject to the after-repair value (ARV) and underwriting.
• Contact: 205-605-9423
• Website:Alabama Flip Loans

Source: lender's published program and contact information.alabamafliploans.com+2

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2. Tidal Loans

(Direct lender)

Offers Alabama fix-and-flip financing, including loans for renovation costs. Its published program advertises up to 90% of the purchase price plus 100% of eligible rehab costs.

• Best for: investors who want to work with a direct lender.
• Ask for: its current Birmingham closing timeline, cash-to-close requirement, and draw schedule.
• Website:Tidal Loans — Alabama Fix-and-Flip Loans

Source: lender's published Alabama program.www.tidalloans.com

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3. Lima One Capital

A national investment-property lender with a Birmingham office and financing options for fix-and-flip, bridge, and rental projects.

• Best for: comparing a dedicated real-estate lender with local and regional options.
• Phone: +12054097371
• Office: 2100 Southbridge Pkwy, Ste 650, Birmingham, AL 35209
• Website:Lima One Capital

The local office listing supports its Birmingham presence; confirm the specific loan program and current terms directly.www.yelp.com+1

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4. Capital Kings LLC

A financing broker advertising Alabama fix-and-flip programs with renovation funding and options for first-time flippers.

• Best for: comparing offers from multiple potential funding sources.
• Advertised terms include rehab funds released through draws and short-term financing.
• Website:Capital Kings — Alabama Fix-and-Flip Loans

Confirm the actual funding lender, broker fees, and whether the quoted terms are available for your deal.capitalkings.co

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5. Wallace Capital Funding

A Birmingham-based funding advisor that lists hard-money, bridge, rehab, and construction financing among its services.

• Best for: exploring alternative financing structures if the first lenders cannot meet your deadline.
• Phone:
• Website:Wallace Capital Funding

Ask whether it will lend directly or broker your deal to another lender.www.google.com+1

2. What I would do if the capital is urgent

I would contact the first two lenders today, then submit the same deal package to Lima One Capital and Capital Kings so you can compare actual written offers.

First: Call the local Alabama consultant

Call 205-605-9423 and ask whether they can issue a preliminary quote and meet your required closing date.

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Second: Prepare a one-page deal summary

Include the property address, purchase price, renovation budget, estimated after-repair value, your available cash, and closing deadline.

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Third: Compare the real cost, not just the interest rate

Request the interest rate, origination points, broker fees, minimum interest period, extension fees, inspection fees, and rehab draw conditions in writing.

3. How to check whether a lender is reputable

Before paying any upfront fee or signing a personal guarantee, I recommend checking:

• Track record: Ask for references from investors who have completed Birmingham-area flips with the lender.
• Funding source: Establish whether the company lends its own money or brokers the loan.
• Closing certainty: Confirm that underwriting, appraisal, title work, and proof of funds can be completed by your deadline.
• Total cash needed: A lender advertising 100% financing may still require closing costs, reserves, or other borrower contributions.
• Licensing and legal terms: Verify applicable licensing and business registration, and have an Alabama real-estate attorney review the loan documents if needed.

The published offers above are starting points, not independent guarantees of lender quality or approval.

4. Let’s narrow this down to the best lender for your deal

If you share a few details, I can help prioritize the lenders most likely to fit your project and funding deadline.

Estimated purchase price

Under $100,000

$100,000–$200,000

$200,000–$350,000

Over $350,000

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Estimated renovation budget

Under $25,000

$25,000–$50,000

$50,000–$100,000

Over $100,000

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Cash available for the deal

Less than 10% of project cost

10–20%

More than 20%

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Your flipping experience

First flip

1–3 completed flips

4+ completed flips

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When do you need funding?

Within 72 hours

Within 7 days

Within 2–3 weeks

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Property type

Single-family house

Multifamily property

Condo or townhouse

Commercial property

[Find my best lender options]

These details will help distinguish lenders that can realistically fund your specific deal from those whose advertised terms or closing timelines may not fit your situation.